Chinchilla's chamber of commerce says many local shops were still recovering from previous floods when the most recent natural disaster struck the southern Queensland town.
Thirty-four businesses and 15 homes where inundated when Charley's Creek peaked in the town earlier this week.
Chinchilla Community, Commerce and Industry president Jason Johnson says locals are staying strong.
"There is an air of resilience, there's no doubt about it," he said.
"There wasn't the stressed atmosphere of after the second flood.
"The people are aware of what they have to put up with in these areas that they run the businesses but having said that it can't be trivialised for the economic loss that they will suffer in having to recover from the flood."
He says the recovery will be a challenge.
"We are lucky enough to be in a reasonably strong economic environment with the gas industry and other primary resource industries," he said.
"But it's just the fact that a lot of them were still recovering from those major events in the end of 2010 and start of 2011 and some of them may have scraped though by the skin of their teeth in those situations."
© ABC 2013
18:16 EST Heavy rain has stranded about 40 people at William Creek in the South Australian outback due to flooded roads and low cloud has grounded aircraft.